interesting, in germany model of the car, the expirience (age) of the driver and the years of not having your insurance cover something [1] play heavily into the amount of premiums you are paying. also who is "covered"[2] by that insurance and the km you drive in a year are considered.
[1] trivia: because of this sometimes people cover damages, even realtivly high ones, out of pocket because it saves them money in the long run.
[2] you say who (only you or more people) is driving the car and in practice the relevant fact is if one of the drivers using the car is under 25 and/or is still in "Probezeit" (?trial period?)
i have not followed the topic since it's not my cup of beer, but what is the legal stance on hentai with characters that are depicted as under 18 (or whatever age of concent is relevant)
out of curiosity: how much are you guys paying per month? i had, at that moment, 7 years of no accidents and the 9/1999 version of [1] and was at ~25euro/month
may i introduce you to the jurisdiction of germany? 7.5m for personal injury, 1.3m for property damage and 50k for ?financial loss? (ger:reiner vermögensschaden) [1][2]. granted that's in euro so exchange rates are to be considered